Account Management Fee

As of March 1, 2014, our Bank's Account Management Fee for current accounts will be 9,35 TL (including BITT), and this fee will not be collected from ING Daily Package holders.

The account management fee may be increased up to twice a year by no more than 20%, and the relevant price changes will be notified to you 30 days in advance by e-mail, ATM, telephone, SMS or similar methods.

You have the right to cancel the product or service within 15 days following the date of implementation. In the case that you exercise your cancellation right within this period, no additional interest, fees and/or commissions will be collected from you for the new period.

In case of an annual price change that exceeds 20%, your request will be separately required.

The Account Management Fee will not be collected from the current accounts of our customers who have an ING Daily Package, or 2 or more automatic bill payment orders at our bank.

How can I open an ING Interim Interest Yield Account?

If you are not a customer of our bank, you can open an account through our nearest branch.

Can I deposit money to my ING Interim Interest Yield Account before the maturity of the term?

As with other time deposit account, it is not possible to deposit money to ING Interim Interest Yield Account within the term.

Can I withdraw money from my ING Interim Interest Yield Account or close it before the maturity of the term?

In ING Interim Interest Yield Account, you can withdraw your interest at interim periods that you determine beforehand. If you want to withdraw money before the maturity of the term, you must close your account. In the case that you close your account and any interim payments have been made, you receive your payment after deduction of the interim payments from your principal.

Can ING Interim Interest Yield Account be opened as a joint account?

ING Interim Interest Yield Account can be opened as a joint account.

Is there a lower limit to open an ING Interim Interest Yield Account?

You can open an ING Interim Interest Yield Account for your deposits of 5.000 TL and above.

What are the available terms and currencies in ING Interim Interest Yield Account?

You can open an ING Interim Interest Yield Account at a minimum term of 1 year and in TL, USD or EURO. You get your interest at interim periods that you determine.

For whom is ING Interim Interest Yield Account recommended?

Our individual customers who seek to make long-term investments to obtain a regular income without getting affected by the potential interest rate changes can open an ING Interim Interest Yield Account.

What is ING Interim Interest Yield Account?

ING Interim Interest Yield Account is a deposit account in which your deposit is invested for at least a 1-year term and the interest yield accumulated throughout the term is paid at monthly, quarterly, semi-annual or annual intervals, based on your preference. Due to annual fixed interest rate, it does not get affected by the potential adverse changes in interest rates..

When is the interest paid in ING Interim Interest Yield Account?

You can open your ING Interim Interest Yield Account with monthly, quarterly, semi-annual or annual interest payments based on your preference, and access the accumulated interest yield through your current account at the periods you have specified, starting from the date of account opening.

What are the required documents to open an ING Interim Interest Yield Account?

The customers of our bank can open the account without any documents.

If you are not a customer of our bank, you can open your account with your identity card and a bill in your name, and start investing your savings in ING Interim Interest Yield Account.

What is SWIFT?

Foreign currency transfers you make to other banks are classified as SWIFT transactions. For SWIFT transactions made from other banks to your ING Bank account, the ING Bank SWIFT code is INGBTRIS.

What is Late EFT?

What is EFT?

TL transfers you make from ING accounts to other banks are classified as EFT transactions. You can perform EFT transactions as same day or future dated transfers.

You can perform EFT to another bank account, IBAN, and credit card, EFT to name and quick EFT transactions through the Online BankingMoney Transfer-EFT menu, EFT Transactions step. You can place a Standing Money Transfer order through Online Banking.

What is Money Transfer?

TL or foreign currency transfers you make to your own accounts or other ING accounts are classified as Money Transfers.

You can perform money transfer between your accounts, money transfer to another account number, IBAN, and cash card, and money transfer to name and quick money transfer transactions through the Online BankingMoney Transfers step.

How can I place an automatic bill payment order?

Deposit Insurance Requirement

In accordance with the “Regulation on Deposits and Participation Funds Subject to Insurance and Premiums Collected by Savings Deposit Insurance Fund” published in the official Gazette number 26339 dated 07/11/2006;

For individual accounts -where commercial transactions are excluded with the exception of checking activities- opened in domestic branches of a credit institution that operates in Turkey, in forms of Turkish Lira, foreign exchange currency and precious metals accounts, principal plus the interest of the savings deposit accounts are insured up to 100.000 TL per each individual.

Deposits at overseas branches of deposit banks, deposits at credit institutions that engage in off-shore banking activities in Turkey and abroad, and extreme interest rates that are above the maximum interest rates publicly announced by the bank and reported to the Central Bank, or above the average interest rate offered by the five deposit banks with the highest total deposits are not included within the scope of the insurance.

How does IBAN provide convenience in money transfers?

How can I verify my IBAN?

How can I find out my IBAN?

You can find out the IBAN information of your ING Bank accounts only from our Bank. For this, you can visit our “Finding Out an IBAN” page, call 0850 222 0 600 Telephone Banking or visit our nearest branch.

Notifications, queries or changes regarding your IBAN information are not made by e-mail under no circumstances. Please disregard these kinds of messages even if they include the ING Bank name and visual, and immediately inform 0850 222 0 600 Telephone Banking.

How is IBAN generated?

Consisting of numbers and letters, IBAN refers to a single account among all back accounts. Each account has one IBAN, and each IBAN refers to only one account.

The IBAN standard is determined freely by each country, with a maximum length of 34 alphanumeric characters. The first 4 digits are the 2-digit country code and the 2-digit control number. The control number shows whether or not the IBAN is correct and valid. The digits after that indicate the national account number.

The length of IBAN in Turkey is 26 digits. The structure of Turkish IBAN is as below:

What is IBAN?

IBAN is the international bank account number used instead of the current customer accounts. By internationally defining each customer account number at banks, it enables money transfers to be performed quickly, without errors and at low cost. A country-wide bank customer account number in standard length must be created. Today, in addition to European Union countries, some other countries also use IBAN.

Is it mandatory to use IBAN in money transfers?

As of January 1, 2010, the use the IBAN of the sender and the recipient has become mandatory in money transfer transactions.

With the regulation, bank customers have started to use IBAN when making money transfers within the same bank or from a bank to another bank, between their accounts or from their own accounts to another account. Additionally, the recipient's IBAN is also used in money transfers to the European Economic Area countries and other countries using IBAN.

How can I state my IBAN in electronic environment and paper environment?

If the IBAN will be processed or kept in electronic environment, all letters and numbers must be entered side by side without and spaces or separation characters (parenthesis, comma, dash etc.)
(Ex: TR760009901234567800100001)

If the IBAN will be stated on paper, it must be written from left to right in groups of 4 digits separated with a space. If there are more numbers at the end after writing the number in groups of 4 digits, they must also be written side by side.
(Ex: TR76 0009 9012 3456 7800 1000 01)